| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 401 EDGEWATER PLACE SUITE 220 WAKEFILED, MA 01880 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $71K | $37K | $108K | 3.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043308009 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $8K | $36K | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | PO BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043308009 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $626 | $11K | 19.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 75 STATE STREET SUITE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | PO BOX 743171 LOS ANGELES, CA 900743171 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.07% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 892 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $766K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $766K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $766K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $766K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $766K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 892 | $3.6M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.